With the summer months approaching, now would be a great time to review your homeowner’s and personal insurance program. There is a large spike in auto accidents during June through August. We offer a free review to assess your insurance needs, and we can recommend needed personal insurance coverage like a personal umbrella, cyber liability, and flood insurance. Summer Risks Are Very Real.

Here are a few of the risks your family may face this summer:

Watercraft -- Remember, your personal watercraft insurance does not cover racing. In addition, if your boat is over a certain length, you will need a separate boat policy. Remember to have personal floatation devices for all people in the boat, and do not drink and drive your boat. Venture beyond the geographic limits in the policy and the insurance may be nullified.

Travel -- If you are planning a family vacation, make sure you keep your home safe while gone. Use timers on lights, cancel the mail and garbage, and do not post vacation pictures on social media while you are gone.

Swimming -- Never leave a child unattended around water. If your child does not know how to swim, make sure they have a floatation device on at all times.

Bug Bites -- If you are heading outdoors, be prepared for annoying critters. Use EPA-registered insect repellents* that contain at least 20% DEET (products include Cutter Backwoods and Off! Deep Woods) for protection against mosquitoes, ticks, and other bugs. Other repellents protect against mosquitoes, but may not be effective against ticks or other bugs.

Barbecuing -- Never leave a barbecue unattended. Do not barbecue inside or in a garage. If you receive a minor burn, hold the skin under cool running water for up to 15 minutes to reduce swelling or until the pain subsides.

Sunburns -- Always use sunscreen, and if your skin is burned, mix one-part whole milk with one-part cool water and gently apply it into the affected areas with a washcloth.

Heat Stress -- You may be having fun or working in the sun, but if it is hot, keep hydrated by drink plenty of water. Wear lightweight clothing and take breaks every hour or so.

Fire pits -- Fire pits are becoming increasingly popular for outdoor entertaining. While some burn wood, others use propane or natural gas. Keep kids at a safe distance and teach them that fire pits stay hot long after the flames go out.

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